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Cheap Car Insurance

Grab 100+ insurance quotes & cashback

Tony and Rebecca | Edited by Johanna

Updated September 2018

Car wheel

Car insurance costs may have dropped slightly in the past year, but many are still overpaying by £100s. Now's an ideal time to check out our key tricks, including never auto-renewing and how hitting the sweet spot can bag the cheapest policy.

This guide explains the basics of car insurance, what to watch out for and reveals how you can slash the cost of cover in six easy steps. If you're under 25, check our Young Drivers' Insurance guide for more.

Car insurance: The basics

Car bubble

At its most simple, car insurance covers you if your car is stolen or involved in a road accident. It also protects other road users if you cause damage to their vehicle or property.

The cost of insurance – your premium – is based on how much of a risk insurers perceive you to be. For example, if you are a youngster ready to hit the highway after just passing your test, or you have had more than a prang or two, you will pay more.

However, if you can prove you are not a risk by keeping accident-free and storing your car safely, you will pay much less.

How does car insurance work?

Excesses: What are they and how do they impact claims?

Third party, 'third party, fire and theft' and comprehensive: What is the difference?

Other vehicles: Does my policy cover me to drive them and can other people drive my car?

No-claims discounts: What are they and do they need to be protected?

Going abroad: What if I want to use my car overseas?

Buying car insurance

Applying for a quote: How honest do I have to be?

Got a car but hardly drive it: Do I still need insurance?

Mileage: How to estimate your mileage

Accidents: Do I need to tell my insurer if I have a prang but don't claim?

Change in circumstances: Do I need to notify my insurer?

Young drivers: I'm under 25, is there a way I can cut my insurance premiums?

Now you know the basics of car insurance, follow our step-by-step guide to slashing the cost of your premium, starting with 12 car cover need-to-knows.

12 ways to cut car insurance costs

Did you know the average driver faces an annual insurance premium of £680 with drivers younger than 25 paying over £1,400 for cover? Here are our top car insurance cost-cutting tips that can save you £100s.

Don't assume third party is the cheapest

You would expect third-party cover to be the cheapest because it is the lesser cover, just covering the person you bump into and their car. Yet don't expect car insurance to be logical.

With some insurers the mere fact you have selected comprehensive, which includes your car too as well as fire and theft, means you'll be assessed as a lower risk (based on actuarial history, which is what an insurer will hold about a particular age group or address, for example, on which they base their premiums).

This can outweigh the fact you get more cover, and make your policy cheaper.

There are no hard rules here, it's a matter of trial and error, yet if you're just looking for the very cheapest cover, never only check third party.

My auto renew quote was £210 for 3rd party only. I went to a comparison site and got comprehensive breakdown cover & free car hire with the same company for £40 less. Forumite DobbieSloan

Should I get third party or comprehensive cover?

New. Getting insurance 21 days ahead can save £100s

An MSE investigation in which we analysed more than 18 million quotes from three of the biggest price comparison sites –, Compare The Market and MoneySupermarket – has revealed buying your car insurance three weeks ahead of the start day can save you £100s, compared with buying it too early or leaving it until the day before or on the renewal day.

Based on an average price, the cheapest time to buy your policy is 21 days before the start date, with the price differences closely aligned to how much of a risk you're deemed to be, and when the highest number of insurers will provide quotes (see the full price investigation). If you are already within the 21-day period, act now as the price tends to increase closer to the start date of the policy.

We've full info on how to bag the cheapest policy in this guide - see our comparison sites order below.

Here are a few successes from MoneySavers who've got their insurance around the sweet spot...

Just did mine (24 days early) – saved over £690 over my renewal price. Cara via Facebook

Renewal quote was about £550. Comparison quote with 16 days to go: £334. @andrew_dowd

A responsible 2nd or 3rd driver can cut costs

It may seem counter logical, but covering an extra driver can reduce rather than increase your cost – in some cases by £100s or £1,000s. Here are seven quick tips on how to do it most effectively…

  • Car insurance is all about risk. That's why it can work. If you're a high-risk driver and you add someone who is a much lower risk as a 2nd (and/or 3rd) driver, they can bring down the average risk and you may get a cheaper policy.

  • This isn't just for young drivers. While it works well for young drivers (see our Young Drivers' Car Insurance guide) as they are automatically seen as a high risk and know many people, like their parents, who may be lower risk, it can work for anyone. But of course, it's especially powerful for those with costlier insurance.

  • The better the driving history and lower the risk, the more impact it should have. Those with a good driving record are likely to help make the most savings, but anyone who's a lower risk can help. By law insurers can't discriminate over gender, but age, driving experience and history can make a difference.

  • This is about trial and error, not logic. Your mum may increase the cost, your brother may cut it, or vice versa. It's just a question of trying different quotes and seeing what happens.

  • Different insurers respond in different ways. One may cut your costs adding your uncle, another may increase it. A quick way to check is by varying quotes on comparison sites – it's easy to do, see our top comparison sites list below.

  • The second driver should be someone who would reasonably drive your car. So don't add Lewis Hamilton, unless you happen to be his brother (and even then racing drivers are likely a very high risk so I wouldn't bother) – but your mum, son, best mate or gran should be OK – as long as they would drive the car.

  • Never add someone as main driver if they're not. This is known in the industry as 'fronting' and is fraud. If you do it and are caught, you can face a criminal conviction and your insurance will likely be invalid.

Here are some successes to get you started...

As a young new driver my insurer wanted £5,000 but after adding mum and dad it dropped to £1,900. @Faevouritexox

Took your advice and added my mum to my car insurance and saved £500 #mumstheword.@mazzyb5

Tweak your job description – some save £100s


Another quick win is tweaking your job description (legitimately of course). An illustrator is often cheaper than an artist, an editor than a journalist, a PA than a secretary.

Have a play with our Car Insurance Job Picker tool and see if small changes to your job description could save you cash. Remember, never lie as this will be considered fraudulent. If it worked for you, share your success stories with our forum users.

Thank you @MartinSLewis after rewording my job occupation on car insurance I have managed to save £400. @JenStaCreations

I did this too thanks to @MartinSLewis from creative director to marketing manager = saved £300+ Crazy world isn't it? @fabsternation

What if I'm unemployed?

Beware paying monthly

A monthly payment plan for your insurance is essentially a high-interest loan. For example, if your premium is £1,000 and want to pay monthly, you could pay £95/month, which is £1,140/year (£140 more) at a huge APR of 25%.

So either pay in full, or if you can't afford it, use a credit card with a lower APR rate (or better still, a 0% credit card for spending, ensuring your repayments are big enough to clear it within a year).

If paying by credit card, check if the insurer or provider charges a fee for doing so – though the fee is usually less than the interest charged on monthly instalments.

Find the APRs of the big insurers
Insurer APR if you pay monthly Insurer APR if you pay monthly
Age Co
Esure 27.9%
Admiral 17.5% Hastings Direct 29.9%
Aviva 21.9% John Lewis 23.6%
Churchill 29.2% M&S 23.5%
Co-op 15.4% Privilege 28%
Debenhams 40.35% Swiftcover 39.58%
Zurich 33%
Correct at July 2018

Never auto-renew. Loyalty is expensive

Nothing better illustrates car insurers preying on loyal customers than Sarah Cooper's tweet. "My car insurance renewal is £1,200. New policy with same company is £690. How do they justify this?" They don't. They just do it.

Insurers charge more each year, knowing inertia stops policyholders switching. And even though new rules mean insurers must now tell you the premium you paid last year in correspondence to you, don't rely on this to take action.

If your renewal is coming up, jot it in your diary to remember it. Compare comparison sites and then call your insurer to see if it can match, or even beat, the best quote you found. If it can, you're quids in.

Last year I paid £258 car insurance. The renewal quote was £608. I paid £199 using your comparison site process. Thanks. Sue via email

My auto-renew price for two vehicles including a 21-year-old named driver son on smaller vehicle was £1,024. I followed the advice given in the guide to get a better deal with Direct Line for £590. Forumite Rawhide

Finally convinced the other half to challenge car insurance renewal quote. Reduced from £520 to £219! @laedeejaedee

What will insurers charge me to stay?

How can I haggle?

Don't pimp your ride. Lock it down

For those over the age of 50, 'pimping your ride' involves decking it out with fancy alloys, windows and spoilers. The more changes you make to your car, barring security ones, the more you'll be charged. Always tell your insurer about any modifications and whether you made them or not, or it may invalidate your policy.

The exception to this rule is if you've a classic car needing insurance – in this instance, insurers accept modifications as a natural part of classic car ownership and don't penalise you with higher premiums.

Even more savings are there for the taking for normal car owners if you can protect your vehicle by securing it. Fitting an alarm or immobiliser (especially one approved by Thatcham) will reduce the bill substantially.

What counts as a modification?

Only buy add-ons if you know their value

Insurers often try to sell you additional products such as windscreen or breakdown cover. Avoid buying these if you don't need them and, if you do, always check out the cost of the cover individually first.

Many insurers make a large mark-up by selling add-ons at higher rates than you can get elsewhere. Also, some of these add-ons may already be included in your policy, so read all the terms and conditions carefully.

Insurers can also throw in free add-ons (like those listed below) in your first year as a sweetener but after that you'll need to pay. To grab these freebies follow these three steps:

  • Make sure you switch insurers every year to avoid paying for add-ons.

  • Check what's on offer via comparison sites as insurers often have exclusive offers set up with them which you can't get by going direct.

  • Always try to haggle with your current insurer. Ask if it can offer you a better deal than a rival and, if not, don't be afraid to switch to a provider that will.

What are the typical add-ons?

Set the right excess without breaking the bank

It's worth considering going for a policy with a higher excess. A higher excess will result in lower premiums but make sure you can afford the premium if you need to claim. Many people will find claiming for less than £500 of damage both increases the future cost of insurance and can invalidate no-claims bonuses, meaning it's not always worth making a claim.

So why pay extra for a lower excess? A few insurers will substantially reduce premiums for a £1,000 excess, so try this when getting quotes. The downside of this is if you have a bigger claim you'll have to shell out more, so take this into account.

Grab long-lasting quotes to lock in today's price

Many insurers will let you lock in a quote up to 30 days ahead of the start date, so you can guard against any future premium increases. A few insurers such as as Aviva* and Quotemehappy even have quotes that are valid for 60 days.

Once the quote has been locked in, the price is fixed subject to you not changing any of your details – though you aren’t committed to taking that policy and can always change your mind if you find a cheaper deal  (see why buying 21 days ahead is cheapest).

You can switch mid-year, don't wait for renewal

Don't assume switching is only for those at renewal. This is very important when prices are rising, as they are this year. This means you may find switching early saves anyway, especially if you didn't follow the full cost cutting system in the past. There are three points to consider when doing this:

  • You can usually cancel existing policies and get a refund for the rest of the year, providing you haven't claimed.
  • There will normally be a cancellation fee of around £50 so your savings from switching should outweigh that to make it worth it – the longer you've got to go on your policy the more likely you'll be better off switching to save.
  • You won't earn the current year's no-claims bonus if you switch so you'll need to be making a substantial saving in order to make this work.

For many, it will still be a worthwhile move. Here are a couple of case studies to inspire you...

You gave us the confidence to challenge our car insurance mid-policy as we were paying £40 a month. Now we're paying £16. Andy

In November my insurance was £1,200. Now, with a little help from turning 25, I have done a mid-year price check and it's £230! Miriam

Will my insurer remind me when it's time to renew?

List of 18 insurers and cancellation fees

Get on the electoral roll – it matters

Being on the electoral roll is not just about being registered to vote – it can also make a difference to your insurance premium.

Insurers such as Aviva, Direct Line, Churchill, Privilege, Co-op, Zurich and Endsleigh have confirmed that they use the electoral roll as part of the ID-checking process to combat fraud.

Not being on the electoral roll, or having incorrect information registered, makes it more difficult for insurers to identify you, so they'll probably give you higher quotes or simply not offer cover.

If you're not already on the electoral roll, it's straightforward to do. See our Electoral Roll guide for more information on why it's important, including the all-important how to get on it.

Step 1: The top comparison sites

Once you know the basics from our top 12 tips for cutting costs, it's time to visit the comparison sites which zip your details to a number of insurers' and brokers' websites to find the cheapest quotes. As no single site captures the entire market and prices vary, combining a number of sites is the best way to make a really meaningful saving.

IMPORTANT: Remember, as we've said above, buying your policy three weeks ahead can save £100s compared with getting it last minute, or 30 days ahead. See the full price investigation.

How is your order of comparison sites decided?

If I use a comparison site will it show up on my credit file?

Which comparison sites offer incentives?

Typical driver

  • Price for add-ons clearly displayed? Yes
  • Voluntary excess matches what was asked for? Yes
  • Marketing options? Opt-in
  • Price for add-ons clearly displayed? Yes
  • Marketing options? Opt-in
  • Voluntary excess matches what was asked for? Yes
  • Price for add-ons clearly displayed? Yes
  • Voluntary excess matches what was asked for? Yes
  • Marketing options? Opt-in
  • Price for add-ons clearly displayed? Yes
  • Voluntary excess matches what was asked for? Yes
  • Marketing options? Opt-in
  • Try to really nail down all the quotes

    Boost chances to nearly 100%

    If you still haven't found a deal you're happy with, or want to push the envelope, there are some more options to try.

    Try QuoteZone* if you have time – usually takes around 5-10 minutes.

  • Typical driver insurance

    This is you if you're aged over 25 with one car, which isn't a company car.

    Quick reference

    Our system in a nutshell but for a full whys and wherefores see below
    Step 1
    Combine comparison sites Check as many as you can in order MoneySupermarket** Gocompare* Compare The Market*
    Step 2
    Big insurers comparisons miss Worth checking as can be cheaper Aviva* Direct Line*

    Our comparison site order in full technicolour detail

    The order of comparison sites listed below is for typical drivers – see the tabs above if the combination of these sites is unable to save you £100s.

    Temporary car insurance

    Borrowing a friend's car for the weekend or need to hire a vehicle to move house? It's possible to get temporary insurance for one to 28 days.

    Most insurers will cover drivers between the ages of 18 and 75 but some set the minimum age at 21. You may also find it difficult to find cover if you have many points on your licence or a long history of claims.

    Insure Daily*,,* and the RAC* offer policies.

    Now jump to step 4 for how to haggle down the best price.

    • Price for add-ons clearly displayed? Yes
    • Voluntary excess matches what was asked for? Yes
    • Marketing options? Opt-in
    • Price for add-ons clearly displayed? Yes
    • Marketing options? Opt-in
    • Voluntary excess matches what was asked for? Yes

    • Price for add-ons clearly displayed? Yes
    • Voluntary excess matches what was asked for? Yes
    • Marketing options? Opt-in

    • Price for add-ons clearly displayed? Yes
    • Voluntary excess matches what was asked for? Yes
    • Marketing options? Opt-in

    Try to really nail down all the quotes

    Boost chances to nearly 100%

    If you still haven't found a deal you're happy with, or want to push the envelope, there are some more options to try.

    Try QuoteZone* if you have time – usually takes around 5-10 minutes.

    Multiple car insurance

    If you have more than one car, this is for you. Comparison sites don't offer multi-car discounts, so are multi-car policies worth it? For some they work, for others they don't. So ALWAYS check multi-car policies and standalone insurance for each vehicle to see what works for you.

    Martin's rule of thumb:

    If you've a multi-car policy, check standalone first, if standalone policies, check multi-car first.

    This is what you've got to do:

    1. First check for multi-car policies or various multi-car discounts:

    - Check multi-car policies. This is where all cars are on one policy. The big one is Admiral MultiCar* or consider Aviva* and LV* which also provide multi-car policies.

    - Then check any standalone policies for multi-car discounts. Multi-car discounts are where you get separate policies, but you get a discount on the second vehicle. Insurers to try: More Than* 15% | Axa up to 15% | Esure 10% | Privilege % varies | Sheilas' Wheels 10%. Tip: Insure the car with the cheapest premium first because you'll usually get the discount on the next 'additional' car (and subsequent cars).

    - Finally check existing insurance policies for any multi-policy discounts. Multi-policy discounts are where you get a discount if you have at least one policy with an insurer, eg, you already have home insurance, so you get the discount on your car policy (and vice versa) with the same insurer. (This also works for the same type of insurance so if you've got car insurance, you can take out another car insurance policy.) For this, try Direct Line*  and Churchill* – the discount varies.

    2. Then check standalone policies. Sometimes it will work out cheaper to get normal standalone policies for each car, rather than linking them together, eg, one car might be insured with Churchill, the second with Aviva. Use our full comparison system to check.

    Sometimes multi-car insurance works...

    Over three cars (incl our 18yr old son's), we saved £4,600 as Admiral MultiCar policy reduced it to a much more manageable £2,600. Thanks MSE. Forumite BoredwithbeingIgnored

    ... and sometimes it doesn't!

    Husband had three cars on multi-car, followed your guide and bought three [separate] policies, saving £1,400. MoneySaver Suzanne

    Company car insurance

    Comparison sites always assume you own the car you're trying to insure. However, many people drive a car owned by their employer, but have to insure and tax it themselves.

    This means comparison sites, while useful for benchmarking, don't do the trick. First, try a couple of specialists, then see how prices from the comparisons stack up.

    Online quotes for company-owned cars



    The only insurer we could find which gives quotes online for vehicles owned by companies is LV*.

    Go through the quote process and it'll ask who owns the car. The quote you get will be based on this. This by no means translates to LV being the cheapest choice – but it's very useful to get an idea of what you should be paying.

    Specialist brokers and insurers: Time for phone-based legwork

    This is a good time to look to the old-fashioned, pre-online comparison route – insurance brokers. They can only look at a smaller range of insurers, but they can also dig into the detail, and tell you if a policy covers company cars.

    It's worth phoning as many of the following as you can. It's free to talk to them but they're paid via commission. Try Adrian Flux, Alan Boswell, Arthur J. Gallagher, Endsleigh* and Swinton.

    To further hone the price you can hit the phone again and talk to these insurers: AA*, Churchill*, Diamond and Direct Line*.

    Combine comparison sites

    Remember, comparisons don't all compare the same sites, so the best strategy's to combine them. We've analysed them, using a large range of monthly data, primarily focused on which ones produce the cheapest results.

    We also factored in separate research on the accuracy and quality of the comparisons. (See how the order is picked.)

    No single site captures the entire market, so combining a number of sites is the best way to make a really meaningful saving.

    I'm struggling to get cover

    If you have a number of points on your licence or you have made many claims before you may find it hard to get cover.

    If you've been caught once for an offence such as speeding, it's likely you'll have three penalty points on your driving licence. However, one strike doesn't change your risk profile. It's when you reach four points or more that you should change the way you act.

    First click on 'typical driver' and compare the comparison sites listed. If you think you can find cover cheaper elsewhere consider enlisting the help of a broker (search on the British Insurance Brokers' Association website to find someone local).

    If you've claimed in the past and this is affecting your premiums, consider protecting your no-claims discount (see Should I protect my no-claims discount? for more).

    You may even be able to fast-track your no-claims bonus. The Admiral Bonus Accelerator policy gives you one year's no-claims bonus after just 10 months of being insured. This can speed up how quickly you hit the big discount territory.

    However, always choose based on the price you pay now. Factoring in a slightly higher premium today for a reduced one in future is fine – but don't pay way over the odds, as the benefits in years ahead aren't guaranteed.

    Even if you don't claim, to keep your no-claims discount, the price of a policy can rise simply because you may be assessed as a higher risk in future.

    Consider telematics

    Despite some confusion, telematics is not a 1980s games show hosted by Noel Edmonds (that was Telly Addicts!). Telematics prices your premiums depGPSending on how you drive.

    A device inside your car monitors your actions behind the wheel. So the better you drive, the less you pay for cover. Remember, telematics policies have more aliases than a rap group. If you're looking at 'black box', 'smart box', 'pay-as-you-drive' or 'usage-based' insurance then you're looking at a telematics policy.

    It works! Forumite says: "I'm with Insure The Box – a telematics insurer. I paid £980 for my first year (I was 21 when I took out the policy) compared to the cheapest on comparison sites of £1,400!"

    The black box feeds data back to your insurer, which takes this into account to reward you; if you can prove you're more Driving Miss Daisy than Fast & Furious, you can get money back on your premiums, high-street shopping vouchers or better prices at renewal. Full info

    Now jump to step 4 for how to haggle down the best price.

    Step 2: The ones comparisons miss

    Comparison sites let you compare 100s of insurers quickly but they don't capture the entire market.

    Some insurers do not appear on comparison sites at all and some deals – including multi-car discounts – are only available by going directly to an insurer's website.

    The insurers not on comparison sites

    Three of the biggest insurers on the market, Direct Line, Aviva and Zurich, only offer their products directly and aren't on comparison sites. Benchmark your cheapest comparison site quotes against the premiums offered by these sites to see if you can slash costs further.

    • Direct Line*. If you already have a Direct Line policy, give them a try as you could get a discount for having a policy with them.

    • Aviva*. Grab up to 20% off online and an extra discount of up to a third by adding a second car or van to your policy.

    • Zurich. Get a courtesy car following an accident on standard policies, if you use one of its approved repairers.

    Step 3: Hot deals comparisons miss

    While comparison sites offer a large chunk of the deals available on the market, others are only available directly from insurers or brokers. If any of the providers below are among your cheapest on comparison sites, use the links below to buy instead and take advantage of special deals.

    £55 M&S gift card with Age Co car insurance*


    Use this MSE Blagged Age Co* link to buy a car insurance policy by 11.59pm on Wednesday 31 October and you'll receive a £55 M&S gift card. The gift card should be posted, or emailed, within 120 days of your policy start date. The deal is for new customers only (those who have never had an Age UK or Age Co motor policy).

    Read more to ENSURE you get the gift card

    £50 food voucher with Co-op car insurance*


    Buy a new car insurance policy direct from Co-op Insurance* by 11.59pm on Wednesday 21 November and you'll receive £50-worth of Co-op food vouchers.

    The Co-op voucher will be posted within 75 days of your policy start date – note too that the deal's for new customers only (where you have not had a Co-op car insurance policy on the same vehicle within the last 12 months).

    Free RAC breakdown cover via Post Office*

    Post Office

    Buy a new motor insurance policy directly from Post Office* and you'll get Roadside and Recovery vehicle based cover free for a year. This only applies to policyholders aged 49 or under at the time of purchase.

    The option to upgrade the cover is available and costs £20 to include 'At Home' cover or £40 to include 'At Home and Onward Travel' cover for one year.

    Step 4: Haggle

    Haggling is not a must – especially if you want to try a new provider – but if you're looking to renew with your current insurer it is well worth getting on the phone to negotiate.

    Once you've followed the steps above and got the overall cheapest price, pick up the phone and haggle. If your insurer can beat or match your best quote it saves the hassle of switching policy. If that doesn't work and you're still in the mood, enlist the help of a broker.

    I just saved around £300 haggling with Admiral (prompted after the news article on MSE). And they were really friendly to boot. Forumite thrifteemee

    For more haggling tips, read the full Car and Home Insurance Haggling guide along with Haggle On The High Street and 2017's Top 10 Firms To Haggle With.

    Step 5: Get cashback

    Once you know who your cheapest provider is, you need to check there aren't any hidden cashback deals, as these can be as high as £60.

    If your second or third cheapest quotes weren't too much more expensive, see if cashback's available for them too, and find the overall winner.

    It's important to be aware that the cashback is coming from the comparison site, not the insurer, so getting the cashback relies on its ability to pay.

    Things you need to know before getting cashback...

    Never count the cash as yours until it's in your bank account

    Withdraw the cashback as soon as you're allowed

    Clear your cookies

    If you're new to cashback sites, make sure you read the Top Cashback Sites guide for pros and cons before using them. Otherwise, use the Cashback Sites Maximiser tool to find the highest payer for each insurer.

    Step 6: Check your policy

    Always double-check the policy terms. Once you've found the cheapest quotes make two important checks.

    Double-check the quotes. Click through to the insurance provider's own website to double-check the quotes, as to speed up searches some comparison sites make a few assumptions.

    Examine the policy's coverage.
    Check whether it's suitable. If you want a free courtesy car if yours is being fixed, is it included? While you're there, it's worth playing with the policy details to see if you can lower the price further. Look at the excess, and whether adding drivers cuts the cost.

    So how much can you save?

    Following the steps above often produces huge savings. Those who normally just accept their insurer's renewal regularly see £100s shaved off the cost. And significant numbers of MoneySavers report getting deals for under £100.

    Our record-ever price of 96p for a year is below. Since then we've had some for under £50 but nothing that comes close so if you've beaten it, let us know.

    Barbara's story: 96p for a year's fully comp cover


    In October 2009, civil servant and grandmother Barbara Wakerell smashed the old £14 record for using this car insurance system (see MSE News: 96p car insurance).

    Policy price: For Barbara, the cheapest was £120.96 from Swinton Insurance for a fully comprehensive policy, with protected no-claims bonus, and including a courtesy car.
    Insurer cashback: The company had its own £70 cashback promo.
    Cashback site: She then got a further £50 via using a cashback site.

    All added together, that meant the total cost of the insurance was just 96p. She said:

    I'm always looking for a bargain so when I found my car insurance for £120.96 I thought I was doing well. But when I also got £120 cashback I realised I had done really, really well. Can anyone beat that? Barbara Wakerell

    How to complain about your insurance provider

    The insurance industry doesn't have the best customer service reputation and while a provider may be good for some, it can be hell for others. Common problems include claims either not being paid out on time or at all, unfair charges, or exclusions being hidden in the small print. It's always worth trying to call your provider first, but if not then…

    Free tool if you're having a problem

    man complainingThis tool helps you draft your complaint and manage it too. It's totally free, and offered by a firm called Resolver which we like so much we work with it to help people get complaints justice.

    If the complaint isn't resolved, Resolver will escalate it to the free Financial Ombudsman Service.

    Important: if your issue is about a voucher or incentive that was part of an MSE Blagged deal, then instead just let us know by emailing as that's usually quicker.

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